Michael McDonald (NASDAQ: FDBC) discloses 6% Fidelity holding stake

Rhea-AI Filing Summary

Michael J. McDonald, a director of Fidelity D & D Bancorp, reports beneficial ownership of approximately 6.0% of the company’s common stock on a Schedule 13D. He reports beneficial ownership of 348,634.779597 shares, based on 5,767,286 shares outstanding as of October 31, 2025. This includes shared control over 140,938.414481 shares held by the estate of his aunt, Mary E. McDonald, for which he serves as co-executor, along with additional family-related holdings. Under her will, he has an option for a limited period to purchase all, some, or none of the estate’s shares using insurance proceeds he expects to receive, and he currently plans to use those proceeds to buy some of these shares but has not decided the final amount.

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Equity ownership & governance analyst

Director reports 6% stake with estate-linked option.

Attorney and director Michael J. McDonald discloses beneficial ownership of 348,634.779597 Fidelity D & D Bancorp shares, or about 6.0% of outstanding common stock. This crosses the 5% threshold that triggers a Schedule 13D, which is typically used when an investor may influence or participate in corporate decisions.

A key element is the 140,938.414481 shares held by the estate of Mary E. McDonald, where he serves as co-executor and thus reports shared voting and dispositive power. The filing details additional family-related holdings (spouse, children’s trust, son, and sister) over which he also has shared powers, explaining how his total beneficial ownership is calculated.

The will grants him an option, for a defined period tied to the date of death and insurance proceeds timing, to purchase all, some, or none of the estate’s shares. He currently intends to use insurance proceeds to buy some estate shares but has not committed to a specific amount, so any future change in his stake will depend on how much of this option he ultimately exercises.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13D

Under the Securities Exchange Act of 1934

FIDELITY D & D BANCORP INC

(Name of Issuer)

Common Stock, without par value

(Title of Class of Securities)

31609R100

(CUSIP Number)

Michael J. McDonald
220 Penn Avenue, Suite 320,
Scranton, PA, 18503
570-209-7062

(Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications)

01/08/2026

(Date of Event Which Requires Filing of This Statement)

If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of §§ 240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the following box.

The information required on the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).

SCHEDULE 13D

CUSIP No. 31609R100

1

Name of reporting person

MCDONALD MICHAEL J

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

OO

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 132,645.96
8	Shared Voting Power 215,988.82
9	Sole Dispositive Power 132,645.96
10	Shared Dispositive Power 215,988.82

11

Aggregate amount beneficially owned by each reporting person

348,634.78

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

6.0 %

14

Type of Reporting Person (See Instructions)

IN

SCHEDULE 13D

Item 1.	Security and Issuer
(a)	Title of Class of Securities: Common Stock, without par value
(b)	Name of Issuer: FIDELITY D & D BANCORP INC
(c)	Address of Issuer's Principal Executive Offices: BLAKELY & DRINKER STREETS, DUNMORE, PENNSYLVANIA , 18512.
Item 2.	Identity and Background
(a)	This statement is being filed on behalf of Michael J. McDonald (the "Reporting Person").
(b)	The business address of the Reporting Person is 220 Penn Avenue, Suite 320, Scranton, PA 18503.
(c)	The principal occupation of the Reporting Person is serving as an attorney at McDonald & MacGregor, LLC located at 220 Penn Avenue, Suite 320, Scranton, PA 18503. The Reporting Person is a director of the Issuer.
(d)	During the last five years, the Reporting Person has not been convicted in a criminal proceeding (excluding traffic violations or similar misdemeanors).
(e)	During the last five years, the Reporting Person has not been a party to a civil proceeding of a judicial or administrative body of competent jurisdiction and as a result of such proceeding was or is subject to a judgment, decree or final order enjoining future violations of, or prohibiting or mandating activities subject to, federal or state securities laws or finding any violation with respect to such laws.
(f)	United States citizen
Item 3.	Source and Amount of Funds or Other Consideration
	On January 8, 2026, the Reporting Person was appointed as co-executor of the estate of Mary E. McDonald (the "Estate") which holds 140,938.414481 shares of the Issuer's Common Stock.
Item 4.	Purpose of Transaction
	The Reporting Person and Katherine Thornton were appointed as co-executors of the Estate under the will of Mary E. McDonald, the aunt of the Reporting Person and Ms. Thornton on January 8, 2026. As a result of being named co-executor of the Estate, Reporting Person acquired shared beneficial ownership of the 140,938.414481 shares of the Issuer's Common Stock held by the Estate. Pursuant to the terms of the will, Reporting Person has the option to purchase all, some or none of the Issuer's Common Stock held by the Estate until the later of three (3) months following the date of Mary E. McDonald's death or one (1) month after the Reporting Person receives all insurance proceeds payable to him as a result of her death, which deadlines may be extended under certain circumstances as set forth in the will. As of the date of this statement, the Reporting Person intends to use the insurance proceeds, when available and received, to exercise the option to purchase some of the shares of the Issuer's Common Stock held by the Estate. However, the Reporting Person has not made any decision whether to exercise, in whole or in part or not at all, the option to purchase any remaining shares of the Issuer's Common Stock held by the Estate. Other than as described in this Item 4, or otherwise in this statement, the Reporting Person (individually and in his capacity as co-executor of the Estate) currently has no plans or proposals which relate to, or would result in, any of the purposes described in paragraphs (a) through (j) of the instructions to Item 4 of Schedule 13D. The Reporting Person may, at any time and from time to time, review or reconsider his position and/or formulate plans or proposals with respect thereto that may come within the ambit of those described in paragraphs (a) through (j) of the instructions to Item 4 of Schedule 13D. As a director of the Issuer, the Reporting Person participates in deliberations of the Issuer's board of directors in the normal course of the Issuer's business that could involve any of the matters referred to in paragraphs (a) through (j) of the instructions to Item 4 of Schedule 13D from time to time, and in keeping with his fiduciary duty as a director, may discuss with management of the Issuer and vote on proposals or recommendations to the Issuer's board of directors that could involve such matters from time to time.
Item 5.	Interest in Securities of the Issuer
(a)	As of the date of this statement, the Reporting Person beneficially owns an aggregate of 348,634.779597 shares of the Issuer's common stock or approximately 6.0% of the Issuer's outstanding shares of common stock based on 5,767,286 shares of the Issuer's Common Stock outstanding on October 31, 2025, as reported in the Issuer's Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission on November 7, 2025.
(b)	As of the date of this statement, the Reporting Person has the following powers with respect to the Issuer's common stock described in paragraph (a) above: Sole power to vote or to direct the vote 132,645.962540 Shared power to vote or to direct the vote 215,988.817057 Sole power to dispose or to direct the disposition 132,645.962540 Shared power to dispose or to direct the disposition 215,988.817057 The shares of the Issuer's Common Stock with respect to which the Reporting Person reports shared voting and dispositive power consist of (i) 140,938.414481 shares of the Issuer's Common Stock held by the Estate for which Reporting Person is a co-executor; (ii) 31,418.58234 shares of the Issuer's Common Stock owned by his spouse and as to which Reporting Person may be deemed to have shared beneficial ownership; (iii) 3,027.788332 shares of the Issuer's Common Stock held in a trust accounts for the benefit of Reporting Person's children for which Reporting Person's spouse is custodian and as to which Reporting Person may be deemed to have shared beneficial ownership; (iv) 2,436.5319 shares of the Issuer's Common Stock owned by his son and as to which Reporting Person may be deemed to have shared beneficial ownership; and (v) 38,167.5 shares of the Issuer's Common Stock owned by his sister for which Reporting Person has power of attorney.
(c)	Other than the event described in Item 3 of this statement and certain dividend reinvestments, there have been no transactions in the Issuer's Common Stock by the Reporting Person within 60 days of the filing date of this statement.
(d)	None.
(e)	Not Applicable.
Item 6.	Contracts, Arrangements, Understandings or Relationships With Respect to Securities of the Issuer
	None.
Item 7.	Material to be Filed as Exhibits.
	None.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

MCDONALD MICHAEL J

Signature:	/s/ Michael J. McDonald
Name/Title:	Michael J. McDonald
Date:	01/15/2026

FAQ

What does Michael J. McDonald disclose in this Schedule 13D for FDBC?

He reports beneficial ownership of approximately 348,634.779597 shares of Fidelity D & D Bancorp common stock, or about 6.0% of the company’s outstanding shares.

How is the 6.0% ownership in Fidelity D & D Bancorp (FDBC) calculated?

The 6.0% figure is based on 5,767,286 Fidelity D & D Bancorp common shares outstanding as of October 31, 2025, as reported in the company’s Form 10-Q.

What role does the estate of Mary E. McDonald play in Michael McDonald’s FDBC holdings?

On January 8, 2026, he became co-executor of the estate of Mary E. McDonald, which holds 140,938.414481 shares of Fidelity D & D Bancorp, giving him shared voting and dispositive power over those shares.

Does Michael J. McDonald have an option to buy more FDBC shares from the estate?

Yes. Under the will, he has an option, for a limited period, to purchase all, some, or none of the estate’s Fidelity D & D Bancorp shares, and he currently intends to use insurance proceeds to buy some of them but has not decided the final amount.

What other Fidelity D & D Bancorp shares are included in Michael McDonald’s beneficial ownership?

His shared beneficial ownership includes shares held by his spouse, children’s trust accounts, son, and sister, as well as shares where he has sole voting and dispositive power, resulting in the total reported 348,634.779597 shares.

Has Michael J. McDonald engaged in recent transactions in FDBC stock?

Other than the estate-related event described and certain dividend reinvestments, he reports no transactions in Fidelity D & D Bancorp common stock within 60 days of the filing date.